Quick Answer
What Is Public Auto Insurance?
Public auto insurance is a specialized commercial auto policy for vehicles that transport passengers for hire. It covers taxis, limousines, shuttles, buses, paratransit, NEMT, and rideshare vehicles. Unlike standard commercial auto, public auto policies are designed for the unique risks of passenger transport, including higher liability limits and endorsements for hire-and-reward operations.
Public auto insurance covers any vehicle used to transport passengers for a fee: taxis, limousines, black cars, shuttles, charter buses, motorcoaches, school buses, paratransit vans, NEMT vehicles, ambulettes, and rideshare (TNC) vehicles.
A standard public auto policy includes: auto liability (
Commercial auto covers business vehicles that transport goods or provide services (delivery trucks, contractor vans, company cars). Public auto covers vehicles that carry passengers for a fee. Public auto has higher liability limits, specialized passenger endorsements, and is filed with state DOTs and transportation authorities.
Contact InsureLimos at 1-888-254-0089 or submit an online quote request. We specialize in public auto insurance for all vehicle types in 18 states. We provide same-day certificates and handle all state regulatory filings.
Public auto insurance is commercial auto coverage specialized for vehicles that carry paying passengers — taxis, limos, shuttles, NEMT, buses, and rideshare vehicles.
Commercial auto covers business vehicles transporting goods. Public auto covers vehicles transporting paying passengers. Public auto has higher liability limits and specialized passenger endorsements.
Yes. Personal auto insurance excludes rideshare operations. TNC/rideshare drivers need either a rideshare endorsement (for UberX/Lyft) or a full commercial public auto policy (for Uber Black, taxi, limo).
Most states require
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